Current Promotions

Check out our most recent promotions below and see how you can save!

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Home Equity Line of Credit

With an intro rate as low as 4.25% APR*** for the first six months, you can feel confident knowing your HELOC will help you tackle your to-do list without added financial stress.

For Every Season & Every Reason!

It's time to get your groove back, and we've got something to help you do exactly that. When you open a Checking Account with us, you can feel financially free and easy AND earn $250!**

* APR = Annual Percentage Rate. Loan decisions are based on applicant creditworthiness. Must be an Inspire FCU member in good standing and meet all lending requirements. Inspire FCU reserves the right to terminate this promotion at any time without notice. Limited time offer. Includes refinance of 2014 or newer model vehicles. Minimum loan amount of $5,000 with a floor rate of 5.04% APR. Existing loans at Inspire are not eligible. Price per $1,000 borrowed at 5.04% the cost is $18.10 for a 63-month term. APR, terms and/or loan to value of vehicle vary based on model year of vehicle and applicant creditworthiness. No payment for 60 days, whereby first payment is extended out up to 60 days from the date the loan funds are disbursed. Finance charges will continue to accrue until the first payment and negative amortization may occur. No payment for 60 days is based on individual creditworthiness and approved credit. All loans are subject to credit approval. Other restrictions apply. The credit union reserves the right to change or end the promotion at anytime. ¹The account must be opened within 60 days of the new auto loan. Direct deposit must be for $250 or more. $50 will be credited to the loan holders new checking account after the first automatic deposit posts. All loans are subject to credit approval. Other restrictions apply. The credit union reserves the right to change or end the promotion at anytime. See credit union for details. Federally insured by NCUA.**60-day no payment is offered on direct auto loans to Inspire FCU members. During 60-day no pay interest will accrue on the principal balance. Interest is not deferred during the first 60 days.

**New Checking Account Offer available to new consumer checking account members; members with current checking accounts are not eligible for new account bonus of $250. The $250 accounts bonus will be paid in the form of an account credit to the new primary checking account after qualifications are met within the first 30 days. In order to receive account bonus, new account must receive a direct deposit totaling $500 or more and complete 10 debit card transaction in the first 30 days; all member accounts are to be in good standing. If any of the preceding qualifications are not met the new account bonus will not be received by the member. The credit union reserves the right to cancel promotion at any time. Other restrictions apply. The credit union reserves the right to change or end the promotion at anytime. See credit union for details. Federally insured by NCUA. **Please visit our rates page for full disclosure and account terms and conditions. Earn up to 1% Cash Back on debit card purchases. To qualify for cash back reward, account must make 15 signature-based debit card purchases that post and clear the Rewards Checking account during the month in which the rewards are paid. Purchases/transactions may take one or more business days from the date the purchase is made to post and clear an account. If you meet the requirements, your cash back credit will be credited to your Rewards account on the last business day of the month. The qualifying purchase period begins on the first day of the month and continues through the last business day of the month in which the rewards are paid. Rewards Checking accounts are not to be used for commercial purposes. Maximum monthly cash back reward is $25 ($2,500 in signature based transactions). See credit union for more details. Federally insured by NCUA.

***APR = Annual Percentage Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR will be based on creditworthiness and income. Qualifying applicants will receive an introductory rate of 4.25% APR that will expire after 6 months and a new rate will adjust to a variable APR between 5.99%–10.25% APR, but not to exceed 15% APR, depending on creditworthiness and Loan to Value. Maximum loan amount eligibility for intro rate is $250,000. Loans greater than $250,000 will be subject to regular rate, which is based on prime rate as published in the Wall Street Journal plus/minus a margin. Existing Inspire FCU Home Equity Loans are not eligible for the introductory rate of 4.25% APR. Introductory rate is available to new home equity loan borrowers only. $5,000 initial draw required for Introductory rate. APR. Certain restrictions may apply to introductory rate and not all borrowers will qualify. Home Equity Line of Credit is a Variable Rate product which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the first business day of December, March, June and September of each year. The “Index” plus or minus the margin equals the Interest Rate. Changes in the index will cause changes in the Interest Rate on the first day of January, April, July and October of each year. Interest you pay may be tax deductible. An early closure fee may apply — see Credit Union fee schedule for details. Property insurance is required for real estate secured loans. Consult a tax advisor regarding the deductibility of interest. The minimum monthly payment is $50. Federally insured by NCUA. Equal Housing Lender.